USDA and FHA Pro and Con in Calera, Shelby County, AL
In the year 2025, the USDA loan ceiling in Calera, located in the county of Shelby, AL, stands at $336,500. Meanwhile, the FHA limit for a single-family dwelling is set at $472,030.
Leverage the Lendersa® USDA loan calculator to compare the prevailing USDA against FHA rates. It helps you evaluate the necessary income, credit, and documentation to qualify. By using our sophisticated mortgage calculator, you can assess USDA, FHA, Conforming, and VA loans side by side, assisting in choosing the best program in suited for your financial needs.
Details on 2025 loan caps and downpayment obligations in Calera, county of Shelby, AL
Loan Type
Limit Amount
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conforming Conventional
$726,200
3%
Exploring USDA and FHA loan possibilities in Calera, AL
The aim of Lendersa® is to secure you the optimal USDA or FHA loan swiftly and effortlessly. Begin with any of the three options and find lenders matching the USDA loan schemes.
A USDA home loan is backed by the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage. These loans are restricted to rural areas. Differing from FHA loans, which necessitate a minimum of 3.5% down, USDA loans do not require any down payment at all.
Lincoln Capital Advisors (LCA) was founded in 2004 by James Cheeley. He was joined by his current partner, Blake Turner, the following year. LCA is an independent mortgage advisor company. We can call on a broad variety of lending sources and have the ability to choose from a large range of loan products to find the one that works best
Buckhead Home Loans is committed to helping those in the Metro Atlanta area, and all of Georgia, find the right mortgage product for their needs. Whether you are looking to refinance or are a first-time home buyer looking for a home loan, we have a full line of mortgage programs to meet your needs.
"Reliant can pre-qualify within 15 minutes when you submit your application and process it through automated underwriting.
Save time and stress and let Reliant submit your file to underwriting without a home identified!
Sellers will pay attention that you are pre-approved not just pre-qualified!"
Southeast Private Lending is a division Northbridge Properties, LLC.
For over 30 years, the private lending group at Southeast Private Lending has been providing hard money loans to individuals who cannot quality for conventional bank loans.
Based out of Atlanta, Georgia, Southeast Private Lending is at the forefront of the hard money lending i
BrightPath Mortgage, we provide a wide range mortgages to ensure that our valued customers have access to the best interest rates and loan terms. Our dedication to your complete satisfaction means that your needs are our ultimate priority. For borrowers who are preparing to relocate or are involved in out-of-state real estate investing,
First Bank is a locally owned and managed bank staffed by professional bankers with years of experience and the desire to make banking a pleasure again. First Bank offers you exceptional service and great banking products. As a customer of First Bank you will have the unique opportunity to develop a relationship with banking professionals.
8300 Dunwoody Place, Suite 210, Atlanta, GA, 30350
We specialize in unconventional commercial hard money loans on real estate, equipment, and aircraft. Our expertise and depth of lending knowledge allows us to consider loans that are outside of the core competency of conventional lenders. With several decades of experience, we are able to quickly understand the value of an asset.
8601 Dunwoody Pl, Suite 406, Sandy Springs, GA, 30350
Our company is a leading provider of short-term consumer loans, operating since 1994.
Building strong relationships, by providing a valuable service to the communities in which we serve by offering access to short-term financial solutions in the form of Title, Payday and Signature Installment Loans that fit our client's immediate financial needs
